Incenta Federal Credit Union is headquartered in Englewood and is the 67th largest credit union in the state of Ohio. It is also the 1,717th largest credit union in the nation. It was established in 1935 and as of September of 2018, it had grown to 23 employees and 7,715 members at 6 locations. Incenta Federal Credit Union's CD rates are 84% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership is open to anyone who lives, works, worships, attends school, or volunteers, in the counties of Montgomery, Greene, Clark, Miami, Brown and Adams in Ohio, and the city of Maysville, KY.See current membership details

Great customer service

I have had my checking account with Incenta for six years now. I was encouraged to join because they had a sign up day with my employer. It cost me $5 to "join," and that money sits as an investment, but not as part of my usable balance. I don't totally understand the reasoning behind it. I had heard good things about Incenta, and it is true that they offered me free and fast notary services and other paper work options. They also helped me one and one when I opened my account and had questions related to my specific situation. I felt like I got correct answers since a real person was talking to me. So the customer service benefits are good and personal. As far as the financial benefits, I don't believe they are as good as my other national bank account. Incenta charges account fees which eat into my balance, and their interest rates aren't any better than a bigger bank. I'm also disappointed by the limitations of their website. Incenta is a good banking option if you are financially comfortable and can afford to pay fees for better service. It's not the best option if you are just getting by and need every penny you can get.

Data as of Q3 2018

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Incenta Federal Credit Union has a relatively low asset base.

Always verify rates and promotions with the bank or credit union. We are not Incenta Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Incenta Federal Credit Union Savings Account Rates

APY

MIN

MAX

ACCOUNT NAME

VIEW DETAILS

0.05%

-

-

Regular Shares

0.05%

-

-

Christmas Club

0.05%

-

-

Vacation Club

Incenta Federal Credit Union Money Market Rates

APY

MIN

MAX

ACCOUNT NAME

VIEW DETAILS

0.60%*

$100k*

-

Money Market Account

OTHER TIERS: 0.50% → $2.5k - $50k | 0.55% → $50k - $100k

Incenta Federal Credit Union CD Rates

APY

MIN

MAX

ACCOUNT NAME

VIEW DETAILS

2.63%

$1k

-

5 Year Share Certificate

2.53%

$1k

-

4 Year Share Certificate

2.32%

$1k

-

3 Year Share Certificate

2.12%

$1k

-

30 Month Share Certificate

1.81%

$1k

-

18 Month Share Certificate

1.66%

$1k

-

1 Year Share Certificate

1.41%

$1k

-

26 Week Share Certificate

Incenta Federal Credit Union IRA Rates

APY

MIN

MAX

ACCOUNT NAME

VIEW DETAILS

2.63%

$1k

-

5 Year IRA Share Certificate

2.53%

$1k

-

4 Year IRA Share Certificate

2.32%

$1k

-

3 Year IRA Share Certificate

2.12%

$1k

-

30 Month IRA Share Certificate

1.81%

$1k

-

18 Month IRA Share Certificate

1.66%

$1k

-

1 Year IRA Share Certificate

Locations

Incenta Federal Credit Union Locations

Branch Office

1345 Lagonda Ave

Springfield, OH 45503

Branch Office

1100 US Highway 52

Aberdeen, OH 45101

Branch Office

2231 Olympic St

Springfield, OH 45503-2736

Branch Office

3000 Elbee Rd

Moraine, OH 45439

Branch Office

3562 Dayton Xenia Rd

Beavercreek, OH 45432-2805

Branch Office

175 W Wenger Rd

Englewood, OH 45322

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